| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED CONCORDIA INSURANCE COMPANY | $100K | $12K | $112K | 3.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1920 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $169K | $375 | $170K | 6.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $34K | $34K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $263 | $263 | 0.01% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112K | $0 | $112K | 14.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $70K | $0 | $70K | 9.10% |
| DREW SKIBITSKY3 Filed as: DREW M. SKIBITSKY | 1000 FELL STREET, APARTMENT 627 BALTIMORE, MD 21231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 1.84% |
| JOHN A LECKLITER3 Filed as: JOHN A. LECKLITER | 10 LINDA LANE SEVERNA PARK, MD 21146 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 1.68% |
| MORGAN STANLEY INS SERVICES INC3 Filed as: MORGAN STANLEY INS. SERVICES, INC. | 700 PLAZA TWO, 7TH FLOOR JERSEY CITY, NJ 07311 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | $0 | $12K | 1.62% |
| MJ INSURANCE3 Filed as: MARCIA E. GOGGIN AND VARIOUS AGENTS | 10125 COLESVILLE ROAD, SUITE 126 COLUMBIA, MD 20901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.29% |
| DALE SHADDOCK3 Filed as: DALE P. SHADDOCK | 19 CERDARVALE COURT COCKNEYSVILLE, MD 21030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1900 CHICAGO, IL 60606 | HUMANA INSURANCE OF PUERTO RICO, INC. | $8K | $0 | $8K | 5.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 SOUTH RIVERSIDE PLAZA SUITE 1500 CHICAGO, IL 60606 | ACE AMERICAN INSURANCE COMPANY | $712 | $0 | $712 | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 6,522 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,522 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE OF PUERTO RICO, INC. | 46 | $141K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 10,313 | $3.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,894 | $2.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,894 | $2.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,894 | $2.5M |
| Prescription drug | HUMANA INSURANCE OF PUERTO RICO, INC. | 46 | $141K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,894 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,313 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.